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Marifat is a 37 year-old woman, who has three children. Her husband is away, working in the Russian Federation. He sends money to the family every month for their expenses. Marifat loves to take care of livestock that her husband left her. She is a milkmaid and sells cow milk to her neighbors in the village. Marifat learned from her brother that livestock prices dropped at the market and decided to obtain a loan to purchase a couple of cows and fodder for them. She has been obtaining financing from the organization since 2009 and thanks all of the organization's investors.
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Марифат женщина 37 лет, за мужем, имеет троих детей. Её муж в отъезде в Р.Ф на заработки. Каждый месяц присылает семье на расходы семьи. Марифат любит ухаживать за скотом, который ей оставил муж. Она доярка и продаёт коровье молоко соседям в посёлке. Марифат узнав от брата , что сейчас на рынке подешевел скот, решила также получив кредит закупить пару коров и корм для них. Она кредитуется в организации с 2009 года и благодарит всех инвесторов организации.

Additional Information

About MDO Arvand

MDO Arvand is one of the leading microfinance institutions in Tajikistan, offering small loans to entrepreneurs to start and grow their businesses. This makes an enormous difference in a country, which is not only the poorest in Central Asia, but also home to a population where two-thirds live below the poverty line. Today, Tajikistan's economy literally depends on remittances being sent from family members working abroad in Russia because there are so few local job opportunities.

But Arvand loans have been able to make a difference and change lives. Read about some of the incredible success stories they have seen here in this Kiva blog post: Bringing hope to Tajikistan with Arvand -- one success story at a time.

About Tajikistan

  • $2,700
    Average annual income
  • 252
    View loans »
    Tajikistan Loans Fundraising
  • $32,113,175
    Funds lent in using Kiva
  • 4.8
    Tajikistan Somoni (TJS) = $1 USD

Success!! The loan was 100% repaid

A loan of $550 helped Marifat to purchase cattle and fodder.
100% repaid
Repayment Term
9 months (Additional Information)
Repayment Schedule
Jan 9, 2012
Jan 18, 2012
Currency Exchange Loss:
Aug 15, 2012